Warrick County
Indiana · FIPS 18173
According to CFPB HMDA 2024 application volume among U.S. counties, Warrick County ranks #738 of 3,223, and #25 of 92 in Indiana.
Mortgage lending activity in Warrick County, Indiana based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Warrick County, Indiana lenders denied 381 of the applications reported here, financing the rest at an average note rate of 7.09%, with applicants self-reporting average annual income of $35K. 143 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.5x, meaning typical borrowers took on mortgages of about 6.5 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Warrick County
In Warrick County, lead originator Liberty Federal Credit Union funded 15.3% of 1,743 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 39.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Warrick County's 2,953 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Warrick County's $227,804 average loan (deduped against volume peers).
Lenders active in Warrick County
Liberty Federal Credit Union funded 267 of the 1,743 loans originated in Warrick County, 15.3% of the county. 143 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Liberty Federal Credit Union | 267 | 15.3% |
| 2 | Heritage Federal Credit Union | 217 | 12.4% |
| 3 | Mortgage Masters of Indiana Inc | 199 | 11.4% |
| 4 | Lnb Community Bank | 139 | 8.0% |
| 5 | Old National Bank | 105 | 6.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Warrick County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Warrick County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.